Welcome to Highworth Financial Planning Ltd

We offer a comprehensive financial planning service and professional independent financial advice with a rock solid guarantee:  If you are not completely satisfied with our financial planning service, you will have nothing to pay and can keep the plan for free!

• Financial Planning
  Financial planning is all about planning, strategy, and piecing everything together. It is about having total control of your finances, and knowing where you are, where you want to be in the future, and knowing how to get there. Financial planning reduces the worry of finances and helps you concentrate on enjoying life to the full. Our professional financial planning addresses all of the points below and more.
   
• Retirement Planning
  When do you want to retire and how much income will you need? How much should you be setting aside, and where should you be putting it so that it provides the best possible returns? If you are ready to retire, you should consider all options before deciding how to proceed as mistakes can rarely be undone!
   
• Catastrophe Planning
  How much cash would you or your family need to maintain your current lifestyle if you die or develop a serious illness? What type of cover is best for your circumstances and what features and benefits should you be looking out for?
   
  If you were unable to work through illness or injury, where would the money come from to maintain your standard of living?  State benefits are becoming harder to claim, and on their own would in most instances leave you and your family living in poverty.
   
• Saving & Investing For The Future
  Are you making the best use of any spare capital or surplus income? Are you maximising all of your tax allowances?  Is your capital invested with the right level of risk, and is it getting you the best possible returns?
   
• Mortgages & Equity Release*
  Getting your mortgage paid off early can really make a difference to your lifestyle. Whether you are looking to take out a new mortgage, or change an existing one, you need to look at both the long term and short term costs and put together the right repayment plan for your circumstances.
  
  Equity Release can be used to enhance your standard of living in retirement, although it is not for everyone. Understand the features and risks of Equity Release and get a full independent appraisal of your circumstances and you can then decide, having considered all of the facts whether this type of scheme can provide the enhancement to your retirement that you deserve. 
    
• Wills, Trusts & Estate Planning
  Taking advantage of Wills, Trusts and other estate planning tools can ensure that you protect your wealth and ensure that it passes on to the right beneficiaries simply, and tax efficiently on your death. You can also express your wishes, such as nominating guardians for young children, rather than them become Wards of the Court. A Trust can protect your estate from sideways disinheritance, bankruptcy of beneficiaries, and from the financial effects of divorce.

We hope you find the site both useful and informative. We pride ourselves on our excellent customer service and the  professional advice we provide. Should you have any questions or if you require financial advice we look forward to hearing from you.

*TO UNDERSTAND THE FEATURES AND RISKS ASK FOR A PERSONALISED ILLUSTRATION.

 AN EQUTY RELEASE PLAN WILL REDUCE THE VALUE OF YOUR ESTATE, WILL NOT BE SUITABLE FOR EVEYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFIT.